The complaint has been investigated and
resolved to the customer's satisfaction
First National Bank Texas / First Convenience BankCustomer service and fee's

Or should I say First Inconvenience Bank and

I entered my credit card # in some age verification site that said it would charge nothing ($0.00) to my acct. Then I'm redirected to a page that tells me I've been subscribed to free 3 day membership to some amateur site I didn't even sign up for and I have 3 days to cancel or I'll be charged $34.95. So of course I went and canceled right away, site shows that it was within 10 min of entering mycredit card at the age verification site. the The next day I go to my bank and they tell me I'm overdrawn because of a hold this company put on my acct. for $35.00 and charge me an overdraft fee due to it. So I file a complaint with the bank (First Convenience Bank), which they did nothing about and told me I would have to get a letter from the company stating the transaction was made in error and asking them to reimburse any charges and fees to my account due to this transaction. So I call safetyget and let them know about it and thatthe bank said there would be no penalty or charges to the company if they sent in the letter. They tell me they don't do that and won't, so I ask for the address of their legal department. The lady tells me they don't have one. I ask where my attorney should send a letter and she tells me goodbye and hung up on me. So much for customer service.

Now to the Bank issue, when I originally filed the complaint with the bank the branch managers assistant told me if it was never charged to my account they would of course reimburse any fees that resulted from this hold. Four days later and speaking to the branch manager now, I get a completely different story. Now they tell me they won't without the letter mentioned above. I have previously posted a complaint here about this bank and it's practices. Seems that every two or three weeks I'm in this bank arguing with them over some way they've found to charge me a fee on this free checking acct. Well I'm fed up!!

If you've ever had a legitimate billing issue with either of these companies and it hasn't been worked out or you simply gave up due to the excessive hassle. Please contact me at [protected] with a brief explanation of what happened and your contact information and I will provide it to my lawyer who is currently putting together a class action lawsuit against both andFirst Convenience Bank.

A very pissed consumer,

Shane Pedersen

Customer service and fee's
Customer service and fee's
Customer service and fee's
Customer service and fee's


  • V1
    V12 Nov 03, 2016
    This comment was posted by
    a verified customer
    Verified customer

    This bank will hold your deposits to make you pay overdraft fees.

    0 Votes
  • Mi
    Micheal N Sharon Kazeem Aug 27, 2016
    This comment was posted by
    a verified customer
    Verified customer

    Please I need some advice on how to file a complaint with this company. What they have done has ruined my life.

    0 Votes
  • Dg
    DGOLDEN22 Apr 07, 2015

    I also had a horrible experience with this bank. For starters they had my SOCIAL SECURITY NUMBER wrong on file the entire four months that I did bank with them..They also had my birthdate wrong, stating that I was born in 2008.. Because my social was not correct, I could not access online banking, or any sort of customer service over the phone. I tried multiple times to establish my online account but every time I would go to a branch they would be having "technical difficulties". I also had a branch MANAGER write down my checking account number as my savings, and my savings account number as my checking.. This resulted in about $400 in over draft charges. By the end of my time there, I still did not have online access to my accounts, but they did finally correct my social security number on file.. three months after I left the bank. Horrible bank, stay away.

    0 Votes
  • Ca
    cab2christ Apr 19, 2012
    This comment was posted by
    a verified customer
    Verified customer

    I too have had more than one misfortunate decietful experience with first convenience theft, oh my bad "BANK????????????" Does any one have info on how to join in the class action law suit that is pending against them. Please help, am still fighting them over unwarranted overdraft fees!!! My name is Cynthia, my email is [email protected]

    0 Votes
  • Cj
    cj20052011 Jan 21, 2011

    The thing that gets me about this bank is the fact that they overdraft your account for transactions that are pending, which haven't been paid yet. Other banks will not overdraft you until the pending charges are actually paid. Everyone makes mistakes, but getting charged almost $70.00 overdraft charge for a transaction that would have put the account $5 in the negative??? Loan sharks don't even charge that. But this is legal??? I have never disputed an overdraft charge, but if you notice, they will charge you the $70.00 when the charges are pending, and then another $70.00 when the charge pending actually gets paid for a total of $140.00 in overdraft charges for a $5.00 negative balance. I am closing my account with this bank. I will never again recommend this bank to anyone, and hope the people that I have recommended this bank to will forgive me.

    0 Votes
  • Ge
    gettin on my nerve Jun 30, 2010

    this bank is awful. you think the 1$ charge to open a account is a good idea but yhat dollar has cost me dearly. every time my check was direct deposited in the bank there was always some kind of fees being taken out of my money. even when i would leave some money in the bank after paying bills to keep the account open i would always be told my account is in the negative. when i went to the manager about charges on my account that i did not approve he (chris) had a rude attitude and told me his employees did not make mistakes. i filed a complaint and they end up putting $900 back in my account. i have had nothing but trouble with the tyler branch in walmart. the account is now closed!!!

    0 Votes
  • Ik
    I.Keep.A.Register Jun 06, 2010

    The bank does not keep track of what you approve and what is fraud. If a website says it's FREE and they still ask you for a card number, why would you take the risk of giving them the number and think they are not going to charge you anything? It's stupid to think they're not. There are reallt intelligent hackers all around the globe, so if you decide to buy anything online that is not a safe webpage, you run the risk of getting your information stolen by a hacker. The bank does not refund fees to dummies who give their account information to any webpage that asks for it. If you file a claim and the merchant can verify that you gave them all your correct information, obviously the bank is going to deny it because you approved it.

    0 Votes
  • Pu
    purdydog Apr 15, 2010

    Battling with this horrible bank right now. Two days ago, there is a "pending transaction" for over $600 to a regional mid-east airline that has no offices in the U.S. nor do they even fly to or from the U.S. I call them since it's 8:30pm. "There is nothing we can do until the transaction posts" is the reply. "Then you can file a fraud claim."
    The following morning, there are NINE more "pending transactions - another airline, 2 in Paris, one to SKYPE, one to Feed The Children and others. Another call and same response. Today, all the "pending transactions" are gone but my actual balance is now about $120 lighter. Over-draft fees and "Point Of Sale Denial" fees.. "You need a letter from XXXX Air stating that is was not you that made the charge. So I am supposed to try to contact an airline in a middle eastern country, find someone that not only speaks English, but is willing to help and fax something here. Yeah, good luck with that... I must be pretty good to be at points of sale in two middle east countries and Paris within minutes of each other... However this ultimately works out, I will be closing the account and will never use nor recommend this bank. And to chris1979 who said: "Although overdrawn accounts is more than likely why you are with First Convenience Bank anyway." Even if that were the case, it's irrelevant. Basic banking security and practices dictate that unless the account holder signed an "International Transaction Authorization, " the first charge should have been halted immediately and contact me...

    0 Votes
  • Ch
    chrisj979 Mar 21, 2010

    Sounds like you all need to steer clear of SCAM site. Anything that says FREE or TRIAL and ask for a credit card number. Get ready for this battle. You should be mad a the company that charged your card, not the bank. Bottom line stay off of iffy SCAM sites, and quit being so free and quick to give your credit card number.

    If you simply must use those types of sites, goto Wal-Mart, HEB, or some Check Cashing place and get a pre-paid card. Put $1.00 on it and verify till u can't no more.

    Thats why people should have more than one account, like the account my direct deposit comes into is not the account I spend money out of, it's not even wiith the same bank. You know how most companies have a payroll account that they pay people out of and money is only in that account around payday. Opening a free no minium balance required account is very easy. Although overdrawn accounts is more than likely why you are with First Convenience Bank anyway.

    0 Votes
  • Vi
    Victoria8956 Mar 04, 2010

    I too had the same intense with First Convenience bank. I had signed up for some information through google and it promised to only charge 2.97. But a month later I was charged 74.00. I put in a complaint to the bank and they denied it because they said I already had a charge on the account for that amount. I was not disagreeing with 2.97. I was only disputing the 74.00 amount. And I couldn't understand what one charge had to do with the other. I was very upset. [email protected]

    0 Votes

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